Obviously, any woman who is planning on having another child should consider buying a policy that provides maternity insurance in Florida. Any woman of child-bearing age might also be prudent to make certain that a possible pregnancy is covered. Of course, the rest of the family can also benefit by this coverage.
Have you heard Florida Blue Maternity Insurance is no longer available? Well, the Affordable Care Act has changed the way that millions of Americans can access health insurance, and maternity health insurance is one of these changes. In the past, the only ways to get maternity health insurance in Florida was to have group benefits that covered pregnancy or add an expensive rider (option) to some individual policies. However, you can now find Florida Blue Maternity Insurance included in the standard benefits of Florida Blue individual health insurance policies.
We are Secure Health Options, and we are here to answer all of your questions about Florida Blue maternity insurance. You can contact us at any time to ask questions, and you are also free to use our convenient online health insurance quotes. All you have to do is enter your ZIP code to start comparing prices.
Florida Blue Maternity Insurance: You’re Covered
Here are some things you should know about Florida health insurance policies that provide maternity benefits:
- You cannot be denied a policy if you are already pregnant or for any other pre-existing health condition.
- Your insurance may extend to your baby after he or she is born.
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- Deductibles Start at $0
- PPO & HMO Plans
- Guaranteed Acceptance
- Pregnancy is treated like any other health condition, and it is included in the basic benefits of qualified marketplace plans.
Who Should be Concerned with Florida Blue Maternity Insurance?
Since all qualified Affordable Care Act marketplace policies include maternity insurance, this is no longer a problem. However, you might want to compare different options to make certain that you choose the best one for you, your spouse, and your children.
Best Florida Blue Maternity Insurance and Coverage for Your Whole Family
You can choose from three different types of coverage with this company:
- Blue Care: This is an HMO that is only available in select counties in the state.
- Blue Select: This is a PPO that is only available in select counties in Florida.
- Blue Options: This is a PPO that is available in ALL counties in Florida, and it connects members with a Blue Cross and Blue Shield network all over the United States.
Which choice is best for your family? This really depends upon where you live, your preferences, and your budget. More restrictive or limited choices might have cheaper premiums, and the most flexible options could cost a little more. However, even the cheapest plans here include maternity insurance benefits to cover the needs of pregnant women and their newborn babies. It is important to balance the monthly premium, potential out-of-pocket costs, and ease of access to important medical services.
Blue Care can provide a lot of value for your money if you live in places with a lot of network providers, and you are satisfied with using network medical providers for almost all of your services. Since it is an HMO, only emergency services will be covered outside of the network.
Blue Select is a PPO, and that means you are free to seek maternity services outside of the network if you accept the fact that you will have to pay higher out-of-pocket costs for non-network providers. While this choice provides you with a very good network in some parts of the state, it is limited to certain locations.
Blue Options is also a PPO, so you can enjoy the flexibility and a very large statewide network of medical providers. Members of this plan can also take advantage of the BlueCard network which gives them access to medical providers all over the United States.
Compare Florida Blue Maternity Insurance As Well as Family Coverage
If you buy a Florida Blue health insurance policy now, you can be sure that both your pregnancy and newborn baby will be protected by good health insurance that gives you access to the best doctors and hospitals. If you wait, you might risk going without maternity insurance for you and health insurance for your child until the next open enrollment period. If you are already pregnant, you cannot be denied insurance, and you already know that you have an urgent need to buy insurance.
Most people have concerns about the cost of a Florida Blue maternity health insurance policy, and we can let you compare prices from the comfort of your own home or office. To use our price comparison system, simply begin by entering your ZIP code. Of course, you are welcome to call or email us at any time for more information. We can evaluate your individual situation and help you select the best possible policy for your current and future needs.